Greetings:

For people who have pre-existing conditions such as disability and have questions regarding there qualification for life Insurance and Disability insurance the best thing for them to do is to arrange to have the no cost, no obligation medical offered by the life insurance company in order to confirm there premiums and qualification. Something to keep in mind is most pre-existing conditions will not be covered by any new coverage taken out.

When applying for life insurance whether it is Low cost Term Insurance or Universal Life Insurance a medical is needed to complete your application. The medical is used to evaluate the individual?s eligibility for insurance. The insurance company looks at the medical information gathered as well as the information on the individual?s application to determine there need for insurance. Other forms may be necessary but this are gathered on a case by case basis. Individuals with pre-existing conditions must disclose all information about there condition on the application as it effects there premium, in most cases it is either the condition is not covered or there is a rating on your policy which brings the premiums higher. As medicals are performed at no cost, or obligation to the client they are the best way to determine a client?s eligibility. Once the medial is completed and an approval is reached the client will decide on how to proceed.

The same applies for individuals who apply for disability insurance, medicals are not needed for disability plans unless requested by the insurance company but like applying for Life Insurance, applying for disability coverage is the best way for people who have questions regarding there eligibility to confirm there premiums and eligibility. It is best to disclose all information about any pre-existing conditions at time of application and like life insurance most pre-existing conditions will not covered by new disability coverage.

Sheldon